BlastPoint's Banking Scorecard
Commercial Bank
West Liberty, KY
2 branches across KY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits +1.7% year over year ($181.4M on the books).
- Delinquency rate 1.15%.
- Return on assets 1.29%.
- Efficiency ratio 64.86% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.87% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commercial Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.39% above tier average
- - Delinquency Rate 0.23% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$216.1M
+1.0% YoY
+0.1% QoQ
|
-$170.4M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$148.5M
+6.3% YoY
-2.6% QoQ
|
-$109.8M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
34% |
| Total Deposits ? |
$181.4M
+1.7% YoY
-0.4% QoQ
|
-$145.3M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
1.29%
+17.9% YoY
-0.5% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.98%
+7.9% YoY
+1.8% QoQ
|
-0.01% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
64.86%
-3.1% YoY
+1.0% QoQ
|
+0.39% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
1.15%
-4.8% YoY
+7.2% QoQ
|
+0.23% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
81.87%
+4.5% YoY
-2.2% QoQ
|
+3.92% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
22.73%
-13.8% YoY
-2.1% QoQ
|
+0.70% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.79%
+0.1% YoY
+4.3% QoQ
|
+0.12% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
16.62%
+2.2% YoY
+5.9% QoQ
|
+0.71% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.20%
-1.6% YoY
+101.6% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
50% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.7%
-3.6pp YoY -0.5pp QoQ |
+0.6pp | 22.1% | 23.5% | 22.2% | 58% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.9%
+0.3pp YoY +0.2pp QoQ |
-7.6pp | 11.6% | 8.6% | 12.5% | 14% |
| CRE |
25.4%
-0.7pp YoY -2.4pp QoQ |
-14.2pp | 39.5% | 37.1% | 41.4% | 27% |
| 1-4 Family |
59.2%
+2.3pp YoY +2.2pp QoQ |
+26.6pp | 32.6% | 41.6% | 31.3% | 89% |
| Consumer |
10.3%
-1.4pp YoY -0.1pp QoQ |
+6.2pp | 4.1% | 4.8% | 5.0% | 93% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.6%
+0.4pp YoY +0.9pp QoQ |
-2.2pp | 18.8% | 20.2% | 19.7% | 62% |
| Leverage Ratio |
10.0%
0.0pp YoY +0.1pp QoQ |
-2.1pp | 12.2% | 14.0% | 12.6% | 33% |
| Total Capital Ratio |
17.7%
+0.5pp YoY +1.0pp QoQ |
-2.2pp | 19.9% | 21.3% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
+2 (+6.2%) YoY +2 (+6.2%) QoQ |
-25 | 58 | 105 | 482 | 33% |
| Assets per Employee ($) |
$6.4M
-5.0% YoY -5.8% QoQ |
-$1.2M | $7.5M | $6.3M | $8.8M | 40% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.4% | 49% |
| Nonaccrual |
1.1%
-0.1pp YoY +0.1pp QoQ |
+0.1pp | 0.9% | 0.8% | 1.0% | 72% |
| Allowance Coverage |
0.85x
+11.6% YoY +0.1% QoQ |
-23.30x | 24.15x | 7.45x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.5%
+1.4pp YoY -0.2pp QoQ |
+1.3pp | 12.2% | 13.3% | 11.6% | 59% |
| Cost of Funds (YTD) |
2.1%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 74% |
| Net Income ($, YTD) |
$1.4M
+21.4% YoY — QoQ |
-$1.2M | $2.6M | $5.1M | $40.4M | 39% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.